From Snowflake to Databricks - How Clip Transformed Its Lending Data Operations

about the company

Clip is the leading financial integral ecosystem of its country. It was born with the mission to help businesses have a platform for digital payments. It provides mobile payment services and allows companies and consumers to make transactions by turning their mobile devices into a card terminal. Clip serves customers worldwide. They promote the financial inclusion of people and companies through innovative & technologically trusted solutions, making it easy, accessible, and transparent.

HEADQUARTERS

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The Challenge

As Clip expanded into lending, loan data lived across disconnected sources, turning performance monitoring into manual, time-consuming work and slowing insight delivery to Finance, Risk, and Accounting. Their setup covered basic reporting but lacked the orchestration, real-time processing, and flexibility needed as volumes grew—leading to delayed closes, manual reconciliations, limited visibility, and rising run costs. A joint discovery with Muttdata made a single, governed data platform a clear necessity.

The Solution

Muttdata led a strategic migration to Databricks, building a modern data platform that handles real-time ingestion, transformation, and modeling at scale on a single, governed surface. Using Airflow with Databricks jobs, we automated pipelines end-to-end across a Medallion architecture—Bronze (raw), Silver (clean/normalized), and Gold (business-ready)—to unify previously fragmented loan data and standardize semantics.
On top of this, we engineered domain models for loan master data, expected vs. actual payment schedules, and collections activity, giving Finance, Risk, and Operations granular, trustworthy views they can query and automate—turning scattered tables into faster, actionable insight.